We help businesses find workers' compensation insurance the way they want it. Take a look at our cash friendly programs including Pay As You Go workers comp coverage and our best selling programs by industry type. We're confident we can help you find lower rates and purchase more affordable coverage for your business.

A lot of business owners are misinformed regarding workers' comp insurance. Businesses know they need it, but they often don't understand how it works or how to buy it at the lowest rates possible. Learn more about workers' compensation insurance or contact one of our Specialists to get help with your questions about workers compensation insurance.

We provide our customer with the highest level of customer service and support. To get help with your insurance policy please choose one of the links to the right or contact us to get help with specific questions about your workers compensation policy or coverage.

We Help Agents and Payroll Bureaus Sell More Workers Compensation Insurance.

Because we are a national insurance agency specializing in workers compensation coverage, we have access to a ton of markets. If you are an agent or payroll provider we can help you write Pay As You Go insurance and more.

Workers Compensation Markets

Wholesale Workers Compensation

Looking for new or better workers compensation markets? Ever have trouble placing a risk due to the exposure or experience modification factor? We help agents and payroll service providers place more workers' compensation policies with our National Partner Programs.

We provide fast and knowledgeable workers' compensation brokerage services designed to help you and your customers find the most affordable workers compensation quotes in the least amount of time. Get access to cutting edge Pay As You Go programs and easy flexible payment options from more than 35 insurance companies.

National Agency

Become A Workers Compensation Shop.com Partner Today
we make it easy buy workers compensation

Workers Compensation Shop.com was founded in 2005 as a national online insurance agency. We specialize in the unique issues associated with workers' compensation insurance and the need businesses have for more affordable workmans comp coverage throughout the country.

The Workers Compensation Market Problem

Workers comp coverage might be the most important insurance product for small business owners because it protects you against claims that could potentially devastate your business. Unfortunately, many agents do not have real expertise in workers' compensation rules and regulations. They also don't have access to enough insurance companies to satisfy the needs of all types of industries.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

$O Deposit or Minimum Down

Lower Monthly Payments

Easy to Qualify for Coverage

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Missouri employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

We offer workers compensation quotes from over 30 insurance carriers selling insurance in MO, making us your best option for lower workers compensation rates, and quotes for tougher work comp class codes in Missouri.

Pay As You Go Workers Compensation

Perfect for all Missouri Employers

Programs for Hard to Place Coverage

Don't wait for your Missouri rates to increase

Quote Missouri Workers Compensation With Us

2015 Rates on the Rise in Missouri

Need Help With Missouri Class Codes?

According to the MO Department of Insurance, the average employer is facing rate increase in excess of 8% for 2014. The Missouri Second Injury fund surcharge increased from 3% to 6% effective January 1st, 2014. Its more important than ever to shop workers compensation coverage for the lowest rates.

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

We're a National Agency, and we have tons of carriers offering work comp in Missouri. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.

THE RIGHT QUOTE MAKES A DIFFERENCE.

SHOP COMP LIKE THE BUSINESS PRO YOU ARE

Did you know that the cost of a workers comp policy in Missouri can vary significantly between insurance company, underwriter, and insurance agency?

Purchasing Workers Comp Insurance in Missouri

2015 Missouri Coverage Requirements

Employers with five of more full-time or part-time employees are required to purchase workers compensation insurance. All construction related businesses are required to purchase coverage if the have one employee.

Sole-Proprietors and Partners are automatically excluded for workers compensation, but they can elect to be covered.

Corporate Officers are included for coverage. Missouri considers officers to be company employees and, therefore, they may not elect to be exempt under MO workers compensation laws.

LLC Members are automatically included on a workers compensation policy. However, they may elect to be excluded by excluding themselves on the Acord 130 application for workers compensation and completing a Missouri LLC Member Rejection of Coverage Form.

2015 Payroll Requirements for Owners

Sole-Proprietors and Partners who include themselves on workers compensation coverage must use a minimum payroll amount of $38,400 for rating purposes. (As of 01/01/2015)

LLC Members and Corporate Officers must utilize a minimum payroll of $38,400 for the purpose of rating workers comp premium. (As of 01/01/2015)

At Workers Compensation Shop.com, we help Missouri employers find the best deal on their workers comp coverage. Whether you're looking for Pay As You Go coverage, or you want an installment plan, we can help you find lower rates.

Give us a call today at 888-611-7467 or get started online. We've already helped thousands of Missouri employers buy more affordable coverage for their business.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.